Refusing feedback, hiding info, refusing pay-out

Funeral policy was taken out and was confirmed that pay-out would be R 50,000-00 upon death of a member. No waiting period discussed and nothing to this effect mentioned in the policy or contract. After the death of my husband I tried claiming but the claim was refuted as now all of a sudden there is allegedly a waiting period.<br> I requested the call recordings about 5 months ago and still, after numerous follow ups, awaiting the call recordings, which initially they promised to provide me with within 3 weeks. I disputed the waiting period and deny that a waiting period was ever discussed with me telephonically or in writing. I instituted the claim in October 2014 and still Hollard refuses to assist with the requested information or pay-out as per the policy. This leads me to believe that Hollard will think of any excuse not to pay out a policy and only wants to benefit from premiums paid by members, there is just no other conclusion. I have also requested to speak to management and have never received a call from anyone from Hollard. I alwas have to phone to follow up. Totally unprofessional, *********, unacceptable service from what is supposedly a reputable insurance co - no